3
Benefits1
Reward Categories1x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: lendingtree-visa-credit-card
Issuer: BreadFinance
Card Name: LendingTree Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
If you are an eligible active duty Servicemember, you may qualify for benefits under the Servicemembers Civil Relief Act (SCRA). These benefits may include a reduced interest rate on your account. To learn more or to request SCRA benefits, please contact us.
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Other Purchases | 1x | Points | Earn 1 point for every $1 spent on eligible purchases. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 3 Total
PENDINGRewards 3
LendingTree.com Purchase Rewards
3 points per $1Earn 3 points for every $1 spent on purchases made at LendingTree.com. Points expire 5 years from the end of the month in which they were earned.
Everyday Purchase Rewards
1 point per $1Earn 1 point for every $1 spent on all other purchases everywhere Visa credit cards are accepted. Points expire 5 years from the end of the month in which they were earned.
Flexible Rewards Redemption
Varies by redemption optionRedeem earned points for various options including cash back, gift cards, and more.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Earn a $150 statement credit after spending $1,000 on purchases within the first 3 months of account opening. Eligibility requirements: Applicants must be 18 years or older, a U.S. resident with a valid SSN, and meet BreadFinance's creditworthiness criteria, which typically requires a fair to good credit score (670+ FICO). Approval is subject to income verification and existing credit obligations. Not eligible if you have declared bankruptcy in the last 24 months or have an excessive number of recent credit inquiries.
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: BreadFinance generally does not enforce 'card family' or 'once-per-lifetime' rules common with other major issuers. Each card product is typically considered independently for application and bonus eligibility, though overall credit exposure and application velocity across all BreadFinance products will influence approval decisions.
Special Events: Potential for bonus rewards on specific categories or at partner merchants affiliated with LendingTree. Look for special promotional periods offering double points or exclusive discounts during major shopping seasons or financial planning events.
Holiday Promos: Typically Q4 (October-December) for holiday shopping, and potentially Q1 (January-March) for tax season or financial wellness promotions, given the LendingTree branding.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Easy approval for those with fair credit, good for building credit history, simple 1% cash back rewards on all purchases, no annual fee.
Top Negative:
Low initial credit limits, high APR, frequent complaints about Comenity's customer service, difficulty getting credit limit increases.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Discover it® Secured Credit Card
- Capital One Platinum Secured Credit Card
- Citi Double Cash Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023